CREDIT RESTORATIONCredit report analysis
A detailed review of your reports to identify errors, inconsistencies, and information that needs a closer look.
Your next chapter.Your Next Wyn.
We review your credit reports, help challenge inaccurate information, and give you a clear plan to build stronger credit. You’ll understand what we’re working on and what to do next.
Personal credit restoration services
Personalized action plan
Guidance around payment habits, credit utilization, and steps that support a stronger credit profile over time.
Dispute inaccurate items
Help challenging inaccurate or incomplete reporting, with an organized approach to documentation and follow-up.
Track your progress
Follow your dispute activity and account updates through your online portal, with support when you have questions.
Common credit report errors
We review these areas for mistakes and help you dispute inaccurate information.
Personal information
Incorrect names, addresses, or employment information on your reports.
Inquiries
Inaccurate or unauthorized hard inquiries that need a closer look.
Late payments
Inaccurate reporting of late or missed payments.
Charge-offs
Errors in the balances, dates, or status of accounts reported as a loss.
Collections
Inaccurate or incomplete information on accounts in collections.
Public records
Errors in bankruptcy or other public-record information appearing on your reports.
Accurate, current negative information cannot be removed simply because it is unfavorable. Outcomes vary by credit profile.
THE GOLD PROGRAM · UP TO FOUR DISPUTE ROUNDS
Four rounds.
A clear plan forward.
A structured process with a 90–120-day target. Each round builds on the responses we receive, so you know what we’ve reviewed, what we’re disputing, and what comes next.
BUREAU ATTACK & PERSONAL INFORMATION CORRECTION
Full PI audit across all three bureaus. Fraud alert leverage where applicable. Opening accuracy challenges on every targeted derogatory account, paired with FDCPA § 809 validation demands on surviving collection accounts. This round alone produces 30–50% of total deletions for most files.
ESTIMATED WINDOWDays 1–30
METRO 2 COMPLIANCE CHALLENGE
Field-level attack on every remaining account. Account status codes, DOFD, credit limits, payment history, last activity dates — every Metro 2 field becomes a separate challenge vector. This is where "verified" accounts start falling. Junk debt buyers without chain-of-custody documentation get cleared in this window.
ESTIMATED WINDOWDays 31–60
METHOD OF VERIFICATION DEMAND
Under FCRA § 611(a)(7), you are entitled to know exactly how the bureau verified a disputed item — who they contacted, what documentation they reviewed, and the procedure they used. Most cannot produce it because most "verification" is automated e-OSCAR coding with no human review. That gap is a deletion trigger.
ESTIMATED WINDOWDays 61–90
FINAL COMPLIANCE SWEEP & CREDIT REBUILD
Last-mile deletions on the hardest items, plus simultaneous rebuild — 2–3 positive tradelines strategically added, utilization optimized, file depth restored. Most files complete protocol here. Exit with a file engineered for prime credit, not just a higher number.
ESTIMATED WINDOWDays 91–120
When an issue needs more attention, we review the remaining evidence and explain appropriate next steps, including further documentation or a supported complaint when warranted. Illustrative Gold schedule. Time windows may shift with bureau responses and the documents needed for your file. This describes our work, not guaranteed deletions or score changes. Silver provides ongoing monthly support; Platinum prioritizes initial dispute submissions within 30 days.
CHOOSE YOUR PATH
Your goals. Your pace.
Ongoing monthly support, a complete program, or priority service. Choose the approach that fits you.
MONTHLY SUPPORT
Silver
Ongoing support, one round at a time.
$350
initial + $150 / month
9–12 months on average
Ongoing monthly service · Cancel anytime
- Three-bureau review and written action plan
- Dispute rounds paced around bureau responses
- Highest-priority reporting concerns addressed first
- Portal updates and response reviews
- Personal credit-building guidance
COMPLETE PROGRAM
Gold
A coordinated plan for your full credit profile.
$1,500
program price
90–120-day service target
A structured program across all three bureaus
- Three-bureau review and written action plan
- File-wide review of eligible reporting errors
- Up to four dispute rounds, as needed
- Response reviews and documented follow-up
- Portal access and a personalized rebuilding plan
PRIORITY PROGRAM
Platinum
A focused, accelerated start with priority support.
$3,000
program price
30-day service target
Review, preparation, and initial dispute submissions
- Priority three-bureau review and written action plan
- Applicable initial disputes submitted within 30 days
- Direct specialist support and priority handling
- Written filing summary and portal tracking
- Bureau-response review and next-step recommendations
Our work has a schedule. Bureau decisions have their own timeline.
Bureau investigations generally take 30 days after receipt, or up to 45 days in some cases. Corrections or deletions may appear within that 30–45-day window; the bureau may also verify an item. Our service targets begin after onboarding and receipt of the required reports and documents. Deletions and score increases are not guaranteed.
We’ll explain the service scope and payment terms before you enroll. The monthly option is ongoing service, not installments toward a fixed package price.
A LITTLE MORE CLARITY
Good questions.
Straight answers.
OUR COMMITMENT
Clear communication.
Personal attention.
A considered way forward.
LET’S START WITH A CONVERSATION
Make room for
your next wyn.
Tell us where you want to go. We’ll help you understand where to begin.
(949) 541-1961Prefer to talk? Call our team directly.
Your first step
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